Household Bank Platinum MasterCard

[Anonymous]

I did the pre qualify app and I was pre approved the Platinum Card.

They ran a soft inquiry on EX. I just took out a personal loan from my bank and my EX FICO they said was a 630.

My question is what kind of limit should I expect, I don't want to waste an inquiry if their only gonna give me under $1000 credit line.

Also, which CC might give me a $1000+ line with my EX FICO score of 630?

I am rebuilding credit so I have a lot of old negative accounts which was included in my BK back in 2004.

My current accounts:

Sovereign auto loan: 1 year utd 14K balance

Credit one bank CC $300 credit line 7 months old: $80 balance

Citi auto loan: 2 months old 12K balance

Citi line of credit: 2 months old 1k credit line with $250 balance

Citi personal loan: 1 month old: borrowed $2400 with $2200 balance. 

Last negative put on my EX was back in 2008.

I have perfect history for the last 18 months.

[Anonymous]

I did the pre qualify app and I was pre approved the Platinum Card.

They ran a soft inquiry on EX. I just took out a personal loan from my bank and my EX FICO they said was a 630.

My question is what kind of limit should I expect, I don't want to waste an inquiry if their only gonna give me under $1000 credit line.

Also, which CC might give me a $1000+ line with my EX FICO score of 630?

I am rebuilding credit so I have a lot of old negative accounts which was included in my BK back in 2004.

My current accounts:

Sovereign auto loan: 1 year utd 14K balance

Credit one bank CC $300 credit line 7 months old: $80 balance

Citi auto loan: 2 months old 12K balance

Citi line of credit: 2 months old 1k credit line with $250 balance

Citi personal loan: 1 month old: borrowed $2400 with $2200 balance. 

Last negative put on my EX was back in 2008.

I have perfect history for the last 18 months.

[Wolf3]

That is HSBC,   not likely to be over $500 if that.  

[KIPPIE12]

+1

[Anonymous]

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@Wolf3 wrote:

That is HSBC,   not likely to be over $500 if that.  

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Well, aren't we the optimist tday? 

I wouldn't say any higher than $300.  Household is really Orchard.  Same monkey, different dress.

[Anonymous]

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@Anonymous wrote:

I did the pre qualify app and I was pre approved the Platinum Card.

They ran a soft inquiry on EX. I just took out a personal loan from my bank and my EX FICO they said was a 630.

My question is what kind of limit should I expect, I don't want to waste an inquiry if their only gonna give me under $1000 credit line.

Also, which CC might give me a $1000+ line with my EX FICO score of 630?

I am rebuilding credit so I have a lot of old negative accounts which was included in my BK back in 2004.

My current accounts:

Sovereign auto loan: 1 year utd 14K balance

Credit one bank CC $300 credit line 7 months old: $80 balance

Citi auto loan: 2 months old 12K balance

Citi line of credit: 2 months old 1k credit line with $250 balance

Citi personal loan: 1 month old: borrowed $2400 with $2200 balance. 

Last negative put on my EX was back in 2008.

I have perfect history for the last 18 months.

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The bankruptcy may not be an overall factor, but combined with lates that followed the bankruptcy I think you're going to to find it tough.  All of your current positive tradelines are less than a year old.  And a 630 is not really so hot.

Unless you can somehow get in with Navy Federal, I think it will be difficult for you to get $1,000 in unsecured credit with a prime lender.  Unfortunately 18 good months are not enough to wash away many years of negatives.

[Anonymous]

I did the pre qualify app and I was pre approved the Platinum Card.

They ran a soft inquiry on EX. I just took out a personal loan from my bank and my EX FICO they said was a 630.

My question is what kind of limit should I expect, I don't want to waste an inquiry if their only gonna give me under $1000 credit line.

Also, which CC might give me a $1000+ line with my EX FICO score of 630?

I am rebuilding credit so I have a lot of old negative accounts which was included in my BK back in 2004.

My current accounts:

Sovereign auto loan: 1 year utd 14K balance

Credit one bank CC $300 credit line 7 months old: $80 balance

Citi auto loan: 2 months old 12K balance

Citi line of credit: 2 months old 1k credit line with $250 balance

Citi personal loan: 1 month old: borrowed $2400 with $2200 balance. 

Last negative put on my EX was back in 2008.

I have perfect history for the last 18 months.